Does a guarantor help if my company's credit is weak?

A guarantor can strengthen an application with some lenders — but Credicorp's no-personal-guarantee model deliberately does not require one. Where a lender offers guarantor-backed lending, it can offset weak credit. Credicorp instead assesses the company's cash flow, keeping personal assets out of it. Some lenders let a third party guarantee the debt, taking on liability if the company cannot pay. That extra security can offset a weak credit profile. It also puts the guarantor's assets at risk — the very thing no-PG lending avoids.

Does a guarantor help if my company's credit is

2 min read

Can helpwith some lenders

No PG heredifferent route

Cash flowthe alternative

How a guarantor works elsewhere

Some lenders let a third party guarantee the debt, taking on liability if the company cannot pay. That extra security can offset a weak credit profile. It also puts the guarantor's assets at risk — the very thing no-PG lending avoids.

Credicorp's approach

Rather than lean on a guarantor, Credicorp assesses whether the company's cash flow supports the loan. If credit is weak but trading is sound, the cash-flow route can still work — with no one's personal assets on the line.

Applying

Let the company's numbers make the case and apply online.

Frequently asked questions

Can a guarantor offset bad company credit?

With lenders that offer guarantor-backed loans, yes — but it puts the guarantor's assets at risk. Credicorp instead assesses company cash flow with no guarantee required.

Does Credicorp require a guarantor?

No — no personal guarantee and no third-party guarantor are required. The company is assessed on its own cash flow.